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How do I spend money in Sweden and Denmark?

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2

I will be visiting Stockholm, Sweden and Copenhagen, Denmark for holidays in a couple weeks. I live in the US and have a Bank of America bank account and debit card.

I will be spending money in Stockholm and Copenhagen for basic expenses like food, local travel, etc. I believe my debit card will incur an international fee on every purchase which I’d rather not pay.

It seems as though Sweden and Denmark have their own currencies, Swedish krona and Danish krone, each with different exchange rates to the USD.

What’s the best and easiest way to spend money when traveling in these countries? I’d prefer not to carry a bunch of cash. Is there some kind of a prepaid card that I can load up and spend in both countries? What do most people do?

Thanks for any advice!

money sweden denmark payment

share|improve this question

asked 8 hours ago

CarpetfizzCarpetfizz

11333 bronze badges

New contributor

Carpetfizz is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.

• 
  
  
  

  
  3
  

  
  
  
  
  
  

  
  
  Note that is is legal under Danish law for a merchant to add an additional fee (typically up to a few percent of the amount due) for use of payment cards issued outside the EU. These fees are not always clearly communicated before you use the card. As a short-stay tourist I would recommend that you just grin and bear it, since the price level will vary from what you're used to anyway. Treat it like you do sales tax at home (and be happy that the actual VAT you pay in Scandinavia is always included in the sticker prices).
  
  – Henning Makholm
  8 hours ago
  
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  There are many US credit cards that have no foreign transaction fee, so you could consider getting one of those to avoid Bank of America's 3% fee, especially if you plan to travel internationally more in the future.
  
  – Zach Lipton
  3 mins ago
  

  
  
  
  

add a comment | 

2

I will be visiting Stockholm, Sweden and Copenhagen, Denmark for holidays in a couple weeks. I live in the US and have a Bank of America bank account and debit card.

I will be spending money in Stockholm and Copenhagen for basic expenses like food, local travel, etc. I believe my debit card will incur an international fee on every purchase which I’d rather not pay.

It seems as though Sweden and Denmark have their own currencies, Swedish krona and Danish krone, each with different exchange rates to the USD.

What’s the best and easiest way to spend money when traveling in these countries? I’d prefer not to carry a bunch of cash. Is there some kind of a prepaid card that I can load up and spend in both countries? What do most people do?

Thanks for any advice!

money sweden denmark payment

share|improve this question

asked 8 hours ago

CarpetfizzCarpetfizz

11333 bronze badges

New contributor

Carpetfizz is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.

• 
  
  
  

  
  3
  

  
  
  
  
  
  

  
  
  Note that is is legal under Danish law for a merchant to add an additional fee (typically up to a few percent of the amount due) for use of payment cards issued outside the EU. These fees are not always clearly communicated before you use the card. As a short-stay tourist I would recommend that you just grin and bear it, since the price level will vary from what you're used to anyway. Treat it like you do sales tax at home (and be happy that the actual VAT you pay in Scandinavia is always included in the sticker prices).
  
  – Henning Makholm
  8 hours ago
  
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  There are many US credit cards that have no foreign transaction fee, so you could consider getting one of those to avoid Bank of America's 3% fee, especially if you plan to travel internationally more in the future.
  
  – Zach Lipton
  3 mins ago
  

  
  
  
  

add a comment | 

I will be visiting Stockholm, Sweden and Copenhagen, Denmark for holidays in a couple weeks. I live in the US and have a Bank of America bank account and debit card.

I will be spending money in Stockholm and Copenhagen for basic expenses like food, local travel, etc. I believe my debit card will incur an international fee on every purchase which I’d rather not pay.

It seems as though Sweden and Denmark have their own currencies, Swedish krona and Danish krone, each with different exchange rates to the USD.

What’s the best and easiest way to spend money when traveling in these countries? I’d prefer not to carry a bunch of cash. Is there some kind of a prepaid card that I can load up and spend in both countries? What do most people do?

Thanks for any advice!

money sweden denmark payment

share|improve this question

asked 8 hours ago

CarpetfizzCarpetfizz

11333 bronze badges

New contributor

Carpetfizz is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.

share|improve this question

asked 8 hours ago

CarpetfizzCarpetfizz

11333 bronze badges

New contributor

Carpetfizz is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.

share|improve this question

asked 8 hours ago

CarpetfizzCarpetfizz

11333 bronze badges

New contributor

Carpetfizz is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.

asked 8 hours ago

CarpetfizzCarpetfizz

11333 bronze badges

New contributor

Carpetfizz is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.

asked 8 hours ago

CarpetfizzCarpetfizz

11333 bronze badges

1 Answer
1

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4

Credit and debit cards are ubiquitous in Scandinavia. You should have no trouble using a Visa card. Before you travel, you could apply for a credit card that has zero foreign transactions fee. You can also take out money from an ATM, like almost anywhere else in the world. Some banks' ATM cards refund ATM fees.

Purchases in a foreign currency are no problem with a major credit/debit card (i.e. Visa). Purchases will appear in USD on your statement, possibly with a small foreign transaction fee (typically 3%).

As a Bank of America card holder, you can use ATMs from banks that are part of the Global ATM Alliance without paying a non-BofA ATM fee (but still the 3% FTF).

share|improve this answer

edited 8 hours ago

answered 8 hours ago

nibotnibot

4,78755 gold badges2929 silver badges5959 bronze badges

• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  Thank you. I have a Visa debit card from Bank of America which is connected to an account with USD. If I make a purchase on Sweden or Denmark using my existing debit card, wouldn’t I incur a fee?
  
  – Carpetfizz
  8 hours ago
  

  
  
  
  


• 
  
  
  

  
  1
  

  
  
  
  
  
  

  
  
  You'll have to look up the specific terms and conditions for your card; you can also call customer service using the number on the back of your card to ask. Typically, if you use your Visa debit card at a point-of-sale (like in a restaurant or a store), you will probably pay a foreign transaction fee of 3%. If you use it at an ATM you may incur fees from both your bank and the ATM operator totalling around $5. However, I think Bank of America has an agreement with some foreign banks to use their ATMs for free. That's worth a little research.
  
  – nibot
  8 hours ago
  
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @Carpetfizz: Check the conditions of your card, which you should be able to get from your bank. If the only fee you're charged is a percentage of the transaction, you probably don't need to worry; you would lose more in exchange rate spreads (or leftover cash) by doing things differently. It's only a problem if you'll pay a particular dollar amount for each transaction regardless of size.
  
  – Henning Makholm
  8 hours ago
  
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @HenningMakholm great thanks - will check that out. So regardless of the fees, will Swedish and Danish point of sale systems or stores be able to accept a debit card that’s paying in USD? Will the bank somehow convert it to local currency automatically before paying?
  
  – Carpetfizz
  8 hours ago
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  Since you bank at BofA, you can avoid ATM fees by using ATMs in the "Global ATM alliance". You'll still be charged a 3% currency exchange fee. en.wikipedia.org/wiki/Global_ATM_Alliance
  
  – nibot
  8 hours ago
  

  
  
  
  

 | 
show 3 more comments

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4

Credit and debit cards are ubiquitous in Scandinavia. You should have no trouble using a Visa card. Before you travel, you could apply for a credit card that has zero foreign transactions fee. You can also take out money from an ATM, like almost anywhere else in the world. Some banks' ATM cards refund ATM fees.

Purchases in a foreign currency are no problem with a major credit/debit card (i.e. Visa). Purchases will appear in USD on your statement, possibly with a small foreign transaction fee (typically 3%).

As a Bank of America card holder, you can use ATMs from banks that are part of the Global ATM Alliance without paying a non-BofA ATM fee (but still the 3% FTF).

share|improve this answer

edited 8 hours ago

answered 8 hours ago

nibotnibot

4,78755 gold badges2929 silver badges5959 bronze badges

• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  Thank you. I have a Visa debit card from Bank of America which is connected to an account with USD. If I make a purchase on Sweden or Denmark using my existing debit card, wouldn’t I incur a fee?
  
  – Carpetfizz
  8 hours ago
  

  
  
  
  


• 
  
  
  

  
  1
  

  
  
  
  
  
  

  
  
  You'll have to look up the specific terms and conditions for your card; you can also call customer service using the number on the back of your card to ask. Typically, if you use your Visa debit card at a point-of-sale (like in a restaurant or a store), you will probably pay a foreign transaction fee of 3%. If you use it at an ATM you may incur fees from both your bank and the ATM operator totalling around $5. However, I think Bank of America has an agreement with some foreign banks to use their ATMs for free. That's worth a little research.
  
  – nibot
  8 hours ago
  
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @Carpetfizz: Check the conditions of your card, which you should be able to get from your bank. If the only fee you're charged is a percentage of the transaction, you probably don't need to worry; you would lose more in exchange rate spreads (or leftover cash) by doing things differently. It's only a problem if you'll pay a particular dollar amount for each transaction regardless of size.
  
  – Henning Makholm
  8 hours ago
  
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @HenningMakholm great thanks - will check that out. So regardless of the fees, will Swedish and Danish point of sale systems or stores be able to accept a debit card that’s paying in USD? Will the bank somehow convert it to local currency automatically before paying?
  
  – Carpetfizz
  8 hours ago
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  Since you bank at BofA, you can avoid ATM fees by using ATMs in the "Global ATM alliance". You'll still be charged a 3% currency exchange fee. en.wikipedia.org/wiki/Global_ATM_Alliance
  
  – nibot
  8 hours ago
  

  
  
  
  

 | 
show 3 more comments

4

Credit and debit cards are ubiquitous in Scandinavia. You should have no trouble using a Visa card. Before you travel, you could apply for a credit card that has zero foreign transactions fee. You can also take out money from an ATM, like almost anywhere else in the world. Some banks' ATM cards refund ATM fees.

Purchases in a foreign currency are no problem with a major credit/debit card (i.e. Visa). Purchases will appear in USD on your statement, possibly with a small foreign transaction fee (typically 3%).

As a Bank of America card holder, you can use ATMs from banks that are part of the Global ATM Alliance without paying a non-BofA ATM fee (but still the 3% FTF).

share|improve this answer

edited 8 hours ago

answered 8 hours ago

nibotnibot

4,78755 gold badges2929 silver badges5959 bronze badges

• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  Thank you. I have a Visa debit card from Bank of America which is connected to an account with USD. If I make a purchase on Sweden or Denmark using my existing debit card, wouldn’t I incur a fee?
  
  – Carpetfizz
  8 hours ago
  

  
  
  
  


• 
  
  
  

  
  1
  

  
  
  
  
  
  

  
  
  You'll have to look up the specific terms and conditions for your card; you can also call customer service using the number on the back of your card to ask. Typically, if you use your Visa debit card at a point-of-sale (like in a restaurant or a store), you will probably pay a foreign transaction fee of 3%. If you use it at an ATM you may incur fees from both your bank and the ATM operator totalling around $5. However, I think Bank of America has an agreement with some foreign banks to use their ATMs for free. That's worth a little research.
  
  – nibot
  8 hours ago
  
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @Carpetfizz: Check the conditions of your card, which you should be able to get from your bank. If the only fee you're charged is a percentage of the transaction, you probably don't need to worry; you would lose more in exchange rate spreads (or leftover cash) by doing things differently. It's only a problem if you'll pay a particular dollar amount for each transaction regardless of size.
  
  – Henning Makholm
  8 hours ago
  
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @HenningMakholm great thanks - will check that out. So regardless of the fees, will Swedish and Danish point of sale systems or stores be able to accept a debit card that’s paying in USD? Will the bank somehow convert it to local currency automatically before paying?
  
  – Carpetfizz
  8 hours ago
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  Since you bank at BofA, you can avoid ATM fees by using ATMs in the "Global ATM alliance". You'll still be charged a 3% currency exchange fee. en.wikipedia.org/wiki/Global_ATM_Alliance
  
  – nibot
  8 hours ago
  

  
  
  
  

 | 
show 3 more comments

Credit and debit cards are ubiquitous in Scandinavia. You should have no trouble using a Visa card. Before you travel, you could apply for a credit card that has zero foreign transactions fee. You can also take out money from an ATM, like almost anywhere else in the world. Some banks' ATM cards refund ATM fees.

Purchases in a foreign currency are no problem with a major credit/debit card (i.e. Visa). Purchases will appear in USD on your statement, possibly with a small foreign transaction fee (typically 3%).

As a Bank of America card holder, you can use ATMs from banks that are part of the Global ATM Alliance without paying a non-BofA ATM fee (but still the 3% FTF).

share|improve this answer

edited 8 hours ago

answered 8 hours ago

nibotnibot

4,78755 gold badges2929 silver badges5959 bronze badges

share|improve this answer

edited 8 hours ago

answered 8 hours ago

nibotnibot

4,78755 gold badges2929 silver badges5959 bronze badges

answered 8 hours ago

nibotnibot

4,78755 gold badges2929 silver badges5959 bronze badges

answered 8 hours ago

nibotnibot

4,78755 gold badges2929 silver badges5959 bronze badges